Life Insurance
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Life insurance for you. Assurance for your family.

More affordable coverage. Less waiting. Less hassle.

Apply now
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Wall Street Journal

Life insurance for you. Assurance for your family.

More affordable coverage. Less waiting. Less hassle.

Apply now
Download Fabric’s iOS mobile app through the Apple App Store
Download Fabric’s android mobile app through the Google Play app store

Fabric’s affordable life insurance is ideal for families with young children, but anyone can benefit.

Bussines Insider

Build a life insurance plan that fits your family’s plans.


$100,000 - $5,000,000

Prices From


Based on 25 year-old female with $100k in coverage

Term Lengths

10 - 30 yrs

Gerber Life Logo

We’ve got you covered

The digital convenience you love, with a brand trusted by millions of families like yours for more than 50 years.

Our guarantee to you: Your price will never change, as long as your premiums are paid – no matter what happens in the economy.

Three simple steps


Apply online or in the app

Our modern term life insurance application takes about 10 minutes. If you need a hand, our licensed team is standing by.


Get your decision

And if more information is needed, we'll make the next steps quick and easy for you.


Personalize your offer

Just like kids, policies come in all shapes and sizes. Tailor your term length or coverage amount before you buy to right-size your monthly premiums.

Get Started
Get the app
Get Started

Life insurance made easy

Fully digital experience

Gone are the days of sitting in an insurance sales office. Fabric makes getting life insurance 100% digital — experience it on our website or via our convenient mobile app

130+ years of trusted coverage

Fabric by Gerber Life offers policies issued by Western-Southern Life Assurance Company, a Western & Southern company (with a heritage dating back to 1888), rated "A+" ("Superior") for financial strength by A.M. Best. Western & Southern is the parent company of Gerber Life Agency.

Automated underwriting

Traditional underwriting can take 10 weeks or more. With our automated digital underwriting system, you could get an instant decision with no medical exam. And when that isn’t possible, you’ll be able to track your application status with our convenient online dashboard.

Fast and hassle-free

Getting life insurance can seem like a daunting process. We make it easy — like, “you could be done with your application in only 10 minutes” easy.

Family finances in one simple app

With Fabric’s easy-to-use mobile app you can create a will, set up your kids’ college savings, and establish a rainy day savings fund — all in one place. Try it out today

Cancel any time

With Fabric, there are no hidden fees — ever. We offer a 30-day money back guarantee and the ability to cancel your coverage at any time.

Designed for busy parents

We make it easy for you and your spouse to understand and apply for affordable term life insurance. And then manage it conveniently from the app or online.

Apply now

Easy to customize

The best policies are tailored to fit your needs. We let you choose from 10, 15, 20, 25, and 30 year terms with coverage amounts for any lifestyle.

Easy to access

Policy details are always at your fingertips in the Fabric app, along with additional built-in tools to help with family finances.

Easy to share

Fabric makes it simple to share up-to-date policy details with your spouse. Because what they don’t know can’t help them.

What Fabric by Gerber Life customers are paying

Here are some real offers we've made to customers for 10-year term life insurance.


per month


year old

female in excellent health


of coverage


per month


year old

male in excellent health


of coverage


per month


year old

female in excellent health


of coverage

It only takes a minute to get an estimate for insurance that fits your family's needs.

Get an estimate

"If you want fast, simple term life insurance, Fabric is worth a look."

I'm in great shape.
Do I need life insurance?

We can't speak for the literally invincible among us, but for everyone else, life insurance is a key part of looking out for our families if the unexpected happens.

Tell Me More

Who needs term life insurance?

If you have someone who depends on you financially, you own a business, have debts, or want to leave something behind for friends and family, you can benefit from life insurance. Learn more about if life insurance is necessary.

How much life insurance coverage do I need?

Hear from happy parents

You do it all.
We do, too.

Tackle your family's keep-you-up-at-night list - right from the app. Create a free will and collaborate with your partner to organize your family's finances.

Download Fabric’s iOS mobile app through the Apple App Store
Download Fabric’s android mobile app through the Google Play app store

You made it to the end!

Now comes the easy part: applying. How easy? It takes about 10 minutes to do it.

Apply in 10 minutes
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About Fabric




Download Fabric’s iOS mobile app through the Apple App Store
Download Fabric’s android mobile app through the Google Play app store

© 2023 Gerber Life Agency, LLC

Term Life Insurance Policy Series ICC22 2205-4004 WSA and Accelerated Death Benefit Rider policy series ICC22 2205-2623 WSA (and state variations where applicable) issued by Western-Southern Life Assurance Company, Cincinnati, OH which operates in DC and all states except NY, and distributed by Gerber Life Agency, LLC using Fabric Technologies. Gerber Life Agency, LLC is an affiliate of Gerber Life Insurance Company (est. 1967). All are members of Western & Southern Financial Group (Western & Southern). Issuance of coverage for Term Life Insurance is subject to underwriting review and approval. Please see a copy of the policy for the full terms, conditions and exclusions. Product provisions, availability, definitions and benefits may vary by state. Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

All sample pricing is based on a 30-year old F in Excellent health for the coverage amount shown and a 10-year term policy, unless otherwise stated. Gerber Life Agency, LLC (GLA) is an insurance agency licensed to sell life insurance products. GLA will receive compensation from Western-Southern Life Assurance Company for such sales. The NAIC Company Code for Western-Southern Life Assurance Company is 92622.

Western-Southern Life Assurance Company's A+ Superior A.M. Best Rating: Superior ability to meet ongoing insurance obligations (second highest of 13 ratings; rating held since June 2009). Ratings are subject to change from time to time. The ratings shown here are correct as of 09/03/2022. For more information about a particular rating or rating agency, please visit the website of the relevant agency.

Plan like a parent. is a trademark of Fabric Technologies, Inc.

Gerber Life is a registered trademark. Used under license from Société des Produits Nestlé S.A. and Gerber Products Company.

In the State of California, Gerber Life Agency, LLC is known as and does business as Gerber Life Insurance Agency, LLC.